KD Insurance Solutions LLC

𝟱 𝗤𝘂𝗲𝘀𝘁𝗶𝗼𝗻𝘀 𝘁𝗼 𝗔𝘀𝗸 𝗕𝗲𝗳𝗼𝗿𝗲 𝗔𝗱𝗱𝗶𝗻𝗴 𝗙𝗮𝗺𝗶𝗹𝘆 𝘁𝗼 𝗧𝗲𝗮𝗰𝗵𝗲𝗿 𝗜𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲

Before you automatically enroll your family in your school district's health plan, take a moment to 𝗮𝘀𝗸 𝘁𝗵𝗲𝘀𝗲 𝗰𝗿𝗶𝘁𝗶𝗰𝗮𝗹 𝗾𝘂𝗲𝘀𝘁𝗶𝗼𝗻𝘀. Your wallet will thank you!

1️⃣ "𝗗𝗼𝗲𝘀 𝘁𝗵𝗶𝘀 𝗽𝗹𝗮𝗻 𝗶𝗻𝗰𝗹𝘂𝗱𝗲 𝗠𝗬 𝗳𝗮𝗺𝗶𝗹𝘆'𝘀 𝗱𝗼𝗰𝘁𝗼𝗿𝘀 𝗮𝗻𝗱 𝗵𝗼𝘀𝗽𝗶𝘁𝗮𝗹𝘀?"
Just because it's good coverage doesn't mean it covers the providers your family actually uses. Check if your spouse's specialists, your kids' pediatrician, and your preferred hospital are all in-network.

2️⃣ "𝗪𝗵𝗮𝘁 𝘄𝗶𝗹𝗹 𝘄𝗲 𝗮𝗰𝘁𝘂𝗮𝗹𝗹𝘆 𝗽𝗮𝘆 𝗼𝘂𝘁-𝗼𝗳-𝗽𝗼𝗰𝗸𝗲𝘁?"
Look beyond the monthly premium. What's the deductible? What are the copays for doctor visits? How much will prescription medications cost? Sometimes a "cheaper" premium means much higher costs when you actually need care.

3️⃣ "𝗛𝗼𝘄 𝗱𝗼𝗲𝘀 𝗽𝗿𝗲𝘀𝗰𝗿𝗶𝗽𝘁𝗶𝗼𝗻 𝗰𝗼𝘃𝗲𝗿𝗮𝗴𝗲 𝘄𝗼𝗿𝗸 𝗳𝗼𝗿 𝗼𝘂𝗿 𝗺𝗲𝗱𝗶𝗰𝗮𝘁𝗶𝗼𝗻𝘀?"
If your family takes regular medications, this is huge. Some plans have great prescription benefits, others might put your medications in high-cost tiers. Check the formulary!

4️⃣ "𝗔𝗿𝗲 𝘁𝗵𝗲𝗿𝗲 𝗯𝗲𝘁𝘁𝗲𝗿 𝗻𝗲𝘁𝘄𝗼𝗿𝗸𝘀 𝗮𝘃𝗮𝗶𝗹𝗮𝗯𝗹𝗲 𝗲𝗹𝘀𝗲𝘄𝗵𝗲𝗿𝗲?"
Many health insurance plans offer broader networks with more specialists and hospitals than employer plans. Don't assume your district plan has the best provider access.

5️⃣ "𝗪𝗵𝗮𝘁'𝘀 𝘁𝗵𝗲 𝗧𝗢𝗧𝗔𝗟 𝗮𝗻𝗻𝘂𝗮𝗹 𝗰𝗼𝘀𝘁 𝗰𝗼𝗺𝗽𝗮𝗿𝗶𝘀𝗼𝗻?"
Don't just compare monthly premiums. Calculate: (Monthly premium × 12) + estimated deductibles + copays + prescription costs. The real number might surprise you!

Your open enrollment window is closing soon. 𝗧𝗵𝗶𝘀 𝗶𝘀 𝘆𝗼𝘂𝗿 𝗰𝗵𝗮𝗻𝗰𝗲 𝘁𝗵𝗶𝘀 𝘆𝗲𝗮𝗿 𝘁𝗼 𝗺𝗮𝗸𝗲 𝗮 𝗰𝗵𝗮𝗻𝗴𝗲 𝘁𝗵𝗮𝘁 𝗰𝗼𝘂𝗹𝗱 𝗯𝗲𝗻𝗲𝗳𝗶𝘁 𝘆𝗼𝘂𝗿 𝗳𝗮𝗺𝗶𝗹𝘆'𝘀 𝗵𝗲𝗮𝗹𝘁𝗵 𝗔𝗡𝗗 𝘆𝗼𝘂𝗿 𝗯𝘂𝗱𝗴𝗲𝘁!

👇 Ready to see what options are available for your family? Reach out today! 👇

www.kdinsurancesolutions.com
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